We're sure that you have a lot of questions.
Here are some of the most frequently asked:

"Why do I need professional financial coaching?"
Your needs are unique. You may be falling behind on your bills each month, or have creditors calling daily. You may have lost your job, or be looking at bankruptcy. On the other hand, you may be doing well. You're managing your debt, paying the bills, but living paycheck to paycheck. You may even have little or no debt at all, but seem to be getting nowhere fast. You would never set out on a trip to Flippin, Arkansas, (Yes, it is a real city!) without knowing where it is and having a plan to get there. Yet most of us don't know financially where we're going or how to get there. Our professional coaching services can help guide you through your specific situation, teach you how to take control of your finances, and establish a plan for your short and long term goals.


"What is the difference between Financial Peace University and Financial Coaching?"
The difference is the level of personal detail and accountability involved. In Financial Peace University you will learn about many areas of finance over a thirteen week period. Financial Coaching is more personal and detailed to your situation.  Our coaching walks you through your own personal plan based on the same principles taught in Financial Peace University.  It is customized and will help you make sense of your situation. There is also an aspect of personal accountability that is a part of Financial Coaching.  Because we feel they go "hand in hand", we include a Financial Peace University kit with most of our coaching agreements.    

"What are your fees?"
We believe that everyone's situation is unique, and our fee scale reflects that. Therefore,  fees cannot be quoted without knowing the details of your specific situation. Our fees are based on a sliding scale that takes into consideration three main areas. During our consultation together, we will explain this in greater detail.


"How can I pay for counseling when I'm broke?"
This is one of those half empty or half full questions. Let me phrase the question this way: "How can I NOT afford to pay for counseling?"  If you are broke, getting farther behind each month, don't have a plan, or your plan is not working, then you need someone to help you put together a plan that WILL work. You can't do the same thing over and over, and expect a different result. Most of our clients find that the level of detail and individual attention in the first coaching session alone, more than pays for itself. If you also take into consideration the cost of bankruptcy at $500.00 - $2000.00, and the affects of it for years to come, our services are a great buy! We are also teaching you how to handle your own finances, make wise decisions, and plan for your future, something bankruptcy or credit counseling companies will not do! 

One more thing - We have found that when couples come together and work toward a common goal with their finances, a great deal of stress is taken away and their relationship actually improves greatly. As one couple put it - "It's almost romantic to talk about money and put our budget together now that we are working with each other on a common goal."  So I will ask one more time-
"How can you NOT afford to pay for counseling?"   
 

"Do you have a payment plan?"
Under some circumstances, a payment plan can be set up to fit your needs.


"Will you counsel someone if their spouse will not come?"
We do require that both spouses participate in the coaching process. We understand that most of the time it is one spouse or the other who may handle the finances. That is O.K. for one to handle most of the check writing and banking, but it is vital to winning financially, that both husband and wife understand and plan together their financial future as well as day to day finances. You would never see a coach of a pro. football team only train and tell half his team what is going on. (Although if you watch football, some times you might think that is the case!) You have to work as a team!  Both spouses must know and agree with the game plan in order for the plan to work.


 "How do I convince my spouse to come?"
Sit down with your spouse at a time when both of you are relaxed and not distracted. Remember, this is for the good of your marriage and family, so let's not make this a time of fighting. In LOVE, let your spouse know how important this is to you. Also, our complimentary consultation is a safe way for you and your spouse to learn more about our services without any obligation.  If all else fails, ask that it be a Christmas, anniversary, or birthday gift to you.  


"Wouldn't bankruptcy or debt consolidation be better?"
Lets start with debt CONsolidation. This can be very dangerous.  You usually do not save any money by doing this for two main reasons.  First, you lump low interest and high interest debts together.  Second, when you put all your debt into one loan, you now are trying to chip away at a mountain when you could have been chipping away at a lot of mole hills.  When you eliminate a few mole hills you get a sense of achievement more than a chunk out of a mountain.  CONsolidating also does not get to the root of the problem (YOUR HABITS) and usually gives you more room to make a bigger mess which will lead you closer to the other topic, Bankruptcy.  Did you know that bankruptcy is listed as one of the top five negative life-altering events that someone can go through? Even though chapter 13 (which is paying creditors back) stays on your credit report for 7 years, and chapter 7 (which is total bankruptcy) stays on your credit report for 10 years, the effects are for life.  Many loan and job applications will ask if you have EVER filed for bankruptcy.  So even if it's been years since you have filed, if you do not disclose that when asked,
 that is considered fraud.


"Will you be taking my money and dealing with my creditors for me?"
NO! Our job is to empower and to teach you how to deal with your creditors yourself. You can do the same thing that a credit counselor would do for you (and 99.9% of the time do a better job at it) and save yourself the fees. However, in some specific cases, the coach may contact creditors on a client's behalf to negotiate payments or settlements. (There are no guarantees in this process of negotiation.  Different creditors have different policies and are not required to negotiate.) 


"How often do I meet with my coach, and how often can I contact them?"
The type of coaching you choose determines the number of times we will meet.

The most common coaching agreement is two sit down sessions with six months of follow up (starting from the first session) by phone and e-mail.   


"Will my personal finances be kept confidential?"
Absolutely! It is our policy to protect the privacy and confidentiality of all our clients. Your personal information will be shared with no one.